Getting into your Synchrony account online
To log into your Synchrony Bank credit card account, go to synchronybank.com and click "Log In" in the top right corner. You'll enter your username and password on the sign-in page. If you don't have an account yet, you'll need to create one first by clicking "Enroll Now" — this takes about five minutes and requires your card number, Social Security number, and date of birth.
Once you're logged in, you can view your balance, recent transactions, due dates, and payment history. You can also set up automatic payments, read statements, and update your contact information from the dashboard.
Key Takeaways
- Visit synchronybank.com and click "Log In" to access your account with your username and password.
- New cardholders must create an online account first using their card number, Social Security number, and date of birth.
- If you forget your password, use the "Forgot Password" link on the sign-in page to reset it by email or security questions.
- Two-factor authentication is available as an optional security feature to protect your account from unauthorized access.
Creating your first Synchrony account
If you received a Synchrony credit card in the mail but haven't set up online access yet, start at synchronybank.com and select "Enroll Now." You'll need your card number (the 16 digits on the front), your Social Security number, and your date of birth. The system will verify this information against Synchrony's records.
After verification, you'll create a username and password. Your username can be an email address or a custom name you choose — many people use their email because it's easier to remember. Your password must be at least 8 characters and include uppercase letters, lowercase letters, and numbers. Write this down somewhere safe, or use a password manager if you have one.
Once your account is created, you can log in when ready. Some cardholders are asked to set up security questions as a backup way to verify their identity if they forget their password.
What to do if you can't remember your password
On the Synchrony sign-in page, click "Forgot Password" below the login fields. You'll be asked to enter your username or the email address associated with your account. Synchrony will send a password reset link to that email address — check your inbox and spam folder if you don't see it within a few minutes.
Click the link in the email and follow the prompts to create a new password. The link usually expires after 24 hours, so reset it soon after you receive it. If you no longer have access to the email address on file, you can answer your security questions instead to verify your identity and reset your password.
Recovering a forgotten username
If you remember your password but not your username, click "Forgot Username" on the sign-in page. Enter the email address or phone number associated with your account, and Synchrony will send your username to that contact method. This usually takes a few minutes.
If you don't remember which email or phone number you used when you enrolled, call Synchrony customer service at the number on the back of your card. They can verify your identity and help you recover your account access.
Setting up two-factor authentication for extra security
Two-factor authentication adds a second step to your login process, making it harder for someone else to access your account even if they have your password. After you log in with your username and password, Synchrony sends a code to your phone via text message or email. You enter that code to complete the login.
To turn on two-factor authentication, log into your account, go to "Settings" or "Security," and look for the two-factor authentication option. You'll choose whether to receive codes by text or email, and you'll confirm a phone number or email address. The next time you log in from a new device or browser, you'll be asked for a code.
Paying your bill through your online account
Once you're logged in, click "Make a Payment" or "Pay Now" on your dashboard. You can pay your full balance, the minimum payment, or any amount in between. Synchrony lets you pay from a bank account (checking or savings) or with a debit card.
If you pay from a bank account, the payment usually takes one to three business days to post to your account. Debit card payments may post faster. You can also set up automatic payments so your bill is paid on the same day each month — this is useful if you want to avoid late fees and keep your account in good standing.
Before you set up automatic payments, make sure you have enough money in the bank account you're paying from each month. If a payment fails because of insufficient funds, Synchrony may charge a fee.
Troubleshooting common login problems
If you see an error message saying your username or password is incorrect, double-check that you're typing them exactly as you created them — they are case-sensitive, meaning uppercase and lowercase letters matter. If you're copying and pasting your password, make sure there are no extra spaces before or after it.
If your account is locked after several failed login attempts, wait 15 to 30 minutes before trying again. This is a security feature to prevent someone from guessing your password. If you're still locked out, use the "Forgot Password" link to reset your password, or call the customer service number on the back of your card.
If you're having trouble on a mobile device, try logging in on a computer instead to see if the problem is with the app or your browser. Clear your browser's cache and cookies, or uninstall and reinstall the Synchrony mobile app if you're using that. Make sure your internet connection is stable before you try again.
Frequently Asked Questions
Can I log in to Synchrony on my phone?
Yes. Synchrony offers a mobile app for iPhone and Android that you can read from the App Store or Google Play. You log in with the same username and password you use on the website. The app lets you check your balance, make payments, and view transactions on the go.
What if I see a suspicious login or transaction?
Log into your account and look for a "Report Fraud" or "Contact Us" option, or call the number on the back of your card right away. Synchrony has fraud protection, but you need to report unauthorized activity as soon as you notice it. The sooner you report it, the faster they can investigate and remove fraudulent charges.
Do I need to log in every time I check my balance?
Yes, for security reasons. You cannot view your account details without logging in with your username and password. Some browsers will remember your username if you check a box during login, but you'll still need to enter your password each time.
Can I change my username after I create it?
Most Synchrony accounts allow you to change your username in the Settings or Security section of your account. Log in, find the username or profile settings, and follow the prompts to create a new one. If you can't find this option, call customer service for help.
What should I do if I think someone else has my password?
Change your password when ready by clicking "Forgot Password" on the sign-in page, or log in and go to Settings to change it directly. Then review your recent transactions and account activity for anything you don't recognize. If you see unauthorized charges, report them to Synchrony right away.